By accessing and using this website, you are accepting and agreeing to be bound by and comply with these Terms and Condition of Use (herein "Terms"). If you do not agree to these Terms, please refrain from accessing or using this website. These Terms may be changed from time to time, without prior notice. Amended Terms shall automatically become effective immediately after they are posted.

Introduction

The words "Insurance Services", "we", "our", or "us" mean one or more of the companies listed on the home page.

These Terms apply to communications that we are legally required to provide to you and other communications that we provide to you in connection with any or all of your insurance policies, accounts and services accessible at this website.

Please read these Terms thoroughly as they contain important information about your legal rights. These Terms cover all of your policies, accounts and services with one or more of the individual companies listed on the home page. This includes, but is not limited to, the following policy, account and service types: policy loan, annuity accounts, insurance policies and other online services. The words "I", "you" and "your" mean each account holder, policyowner and/or service user identified in a policy or account.

Privacy/Treatment of Information or Data Submitted to Us

Personal information submitted to us will be treated in accordance with our Online Privacy Policy.

Links

Links from this site to any other site may be provided for users' convenience only. We do not control or review these sites nor does the provision of any link imply an endorsement or association of such sites. We are not responsible for and make no representation or warranty regarding the contents, completeness or accuracy or security of any materials on such sites. If you decide to access such sites, you do so at your own risk.

Your Legal Rights

Certain laws require us to provide specific information to you in writing, which means you have a right to receive that information on paper. We may provide such information to you electronically if we first present these Terms to you and obtain your consent to receive it electronically. Your consent will also apply to any other person named on your policy or account, subject to applicable law. Since this website will include some of this information, you must consent to these Terms in order to use these services. At times, we may still present you with paper disclosures, but as a basic proposition we need to know that you are willing to receive disclosures and other information electronically that otherwise must be provided on paper and that you have the hardware and software needed for access to this information (and note that in Section No. 3 below, we explain ways to obtain selected disclosures or other information on paper even after you have consented to these Terms).

Types of Electronic Communications You Will Receive

You understand and agree that we may provide to you in electronic format only, by posting the information on the website where you access your account or through email (if applicable and if you have provided a valid email address) agreements, disclosures, notices, and other information and communications regarding your accounts, policies, the use of any website services, your relationship with us, and/or other services that are or may be in the future made available to you ("Communications"). Such Communications may include, but are not limited to:

These Terms and any updates;

Online Agreement, other service or user agreements for online access to this website or any other websites provided by us, all updates to these agreements and all disclosures, notices and other communications regarding online servicing transactions you make within these websites;

Disclosures, agreements, notices and other information related to your policy or account including, but not limited to payment notices, annual statements, or other disclosures or notices that may be required by federal or state laws and regulations affecting your policy or account.

Periodic, annual, monthly or other statements, disclosures and notices relating to the maintenance or operation of a policy or account or service thereon, including, but not limited to account information, account activity, account inactivity, payments made or due, or other statements, disclosures or notices that may be required by federal or state laws and regulations affecting your policy or account;

Any notice or disclosure regarding a policy or account product or service fee, such as a late fee, a fee for a draft, check or electronic debit returned for any reason, such as insufficient funds fee or a fee as a result of a stop payment order;

Any notice of the addition of new terms and conditions or the deletion or amendment of existing terms and conditions applicable to your policy or account or the services you obtain from us;

Our Online Privacy Policy or the Customer Information Privacy Policy of the individual companies listed at the link "Companies Serviced" and other privacy statements or notices (by posting such notices on this website);

Certain statements or notices that the individual companies listed at the link "Companies Serviced" are legally required to provide to you, and

Certain information or forms that we request from you and ask you to submit electronically, such as policy change forms and agreements.

Setting Your Electronic Communications Preferences

After you consent to these Terms, you will still be able to set your preferences to receive certain Communications in; (1) electronic format only; or (2) paper format only. Setting your Communications preferences may not be available for all policies, accounts or services. For more information on the availability of your electronic communications preference management options, please refer to the appropriate electronic communications preferences selection options on this website or the website where you access your Communications. If you decide to receive some Communications in paper and some electronically, the Communications that you receive electronically will be governed by these Terms.

Types of Communications You Will Receive in Paper

These Terms do not apply to:

Any notice of the cancellation or termination of life insurance benefits (excluding annuities);

Any transactions subject to Article 9 of the Uniform Commercial Code;

Any other communications that we determine, in our sole discretion that you should receive in paper rather than electronic form.

Such notices and disclosures shall be mailed to the primary address we show for you in our records or otherwise delivered as required by law or the governing agreement.

Children

This website does not intend to market any products or services to children under thirteen (13) years of age. We do not knowingly gather or solicit data from children under thirteen (13) years of age through this website for marketing purposes. By using this website you represent that you are not under thirteen (13) years of age.

United States Only

The services and products described and information provided through this website are directed to and are intended to be made available only to persons in the United States and are not intended for distribution to, or use by, any person in any other country or any jurisdiction where such distribution or use would be contrary to law or regulation or that would subject us to any registration requirement within such jurisdiction or country. Persons who access this website do so on their own initiative, and are responsible for compliance with applicable local laws and regulations. Software and other materials from this website may be subject to export controls imposed by the United States and may not be downloaded or otherwise exported to any country or anyone prohibited by law. We prohibit your downloading or exporting of software or other material from this website in violation of U.S. Export Laws and the laws of your resident country. By downloading software or other material from this website, you represent and warrant that you are able to do so in full compliance with the laws of the United States and your resident country.

Termination

We reserve the right in our sole discretion to terminate or restrict your use of all or any part of the website, without notice, for any or no reason, and without liability to you or anyone else. The Terms and Conditions relating to Ownership and Use of Content, Indemnification, Limitation of Liability, Warranty Disclaimer and Governing law shall survive any termination.

Hardware and Software Requirements

While you may be able to access and retain the Communications using other hardware and software, your personal computer needs to support the following requirements:

For Online Servicing:

An operating system, such as:

Windows 98, NT, 2000, ME, XP, Vista, or Win 7; or

Macintosh OS 10.x

Access to the Internet and an Internet browser that supports HTML 4.0 and 128bit SSL encryption and Javascript, such as:

For PC using Windows 98, NT, 2000, ME, XP, Vista, or Win 7

Microsoft Internet Explorer 9.0 and higher

Firefox 3 and higher

How to Withdraw Your Consent to these Terms

Subject to applicable law, you may withdraw your consent to these Terms by emailing or calling the appropriate toll-free customer service phone numbers. For Online Servicing please access the "Contact Us" link to email us or to find the appropriate phone numbers. You will not be charged a fee for withdrawal of your consent.

For Online Servicing, if you withdraw your consent, we may stop providing you with Communications electronically and we may terminate your Online Servicing access. Your withdrawal of consent is effective only after you have communicated your withdrawal to Insurance Services by sending an email from the Contact us page or by calling the appropriate customer service phone numbers and Insurance Services has had a reasonable period of time to act upon your withdrawal. Your consent shall remain in force until withdrawn in the manner provided in this section.

Remember that you can always set your Communications preferences as described in Setting Preferences above without withdrawing your consent to these Terms.

Consent to Coverage; Certain Notices From You Are Not Covered. Applicable law, policy or account language sometimes require you to give the individual companies listed at the link "Companies Serviced" "written" notices. You must still provide these notices on paper. Your consent here does not relate to those notices.

Obtaining Copies of Electronic Communications

You may print or make a copy of Communications by using the "Print" button (or otherwise using your printing functionality) or saving a copy - do this when you first review the Communications because after submission we do not necessarily keep them all in a place that you can access. Upon request, we will provide you with a paper copy of any Communications provided electronically by Insurance Services to you. You may request a paper copy of these Communications by sending us an email from our contact us page or by calling us at the appropriate toll-free customer service phone number for your policy or account or service. Please refer to the "Contact Us" link on the website to find the appropriate contact information.

Be sure to specify your account or policy identification number, as applicable, for the specific Communication for which you are requesting a paper copy, and the address to which it should be mailed. We may charge fees for paper copies of the Communications.

Updating Your Contact Information

In the event that your email address or other contact information is changed, you must notify Insurance Services of such changes immediately through one of the following methods:

Access Home page and click on the appropriate links to reach the page to update your contact information; or

Access the Contact us page to send an email or call the appropriate customer service phone numbers to communicate the contact information change

If you fail to update or change an incorrect email address or other contact information, you understand and agree that any Communications shall nevertheless be deemed to have been provided to you if they were made available to you in electronic form in the eDelivery Options page of this website or emailed to the email address we have for you in our records.

Retain Copies for Your Records

We recommend that you print or download a copy of these Terms, the Service Agreement and all other Communications to retain for your permanent records; if you have not already placed a copy of our Online Privacy Policy in your records, you can obtain another copy. If you are initiating the Online eDelivery enrollment process via the call center, the call center representative can provide you with paper copies.

Validity of Website Documents

The content of this website is provided for your information and convenience. If you access your policy or account information online, the terms and conditions of your coverage are determined by the applicable policy or account documents. In the event of any conflict with the content of this website, the applicable policy or account documents shall be controlling. You can obtain copies or instructions on how to obtain copies of those documents from Insurance services by clicking on the links in the Contact Us page. Account information available on this website is not the official record of your account. The posting of any prospectus or any other information on this website is not a recommendation or opinion for you to buy or sell any product or participate in any transaction.

Timeliness of Website Information

Some information on this website may not be up to date. If you have questions about how current the information is or about specific information on the website, please contact us by emailing us from the Contact us page.

Governing Laws

The laws of New Jersey and the federal laws of the United States of America shall govern as to the interpretation, validity and effect of these Terms and any use of this website, without giving effect to conflict of law principles thereof. The courts of New Jersey shall have exclusive jurisdiction in any action or proceeding instituted under or related to these Terms or your use of the website.

If you take legal action relating to these Terms or arising out of or relating to your use of this website, you agree to file such action only in New Jersey and you consent to submit to the personal jurisdiction of the state and federal courts of New Jersey for the purposes of pursuing any such action. Any cause of action you may have with arising out of or related to your use of this website must be commenced within one (1) year after the cause of action arises. We reserve the right to seek all remedies available at law and equity for violations of these Terms, as well as the right to restrict access to this website or any portion of it. We do not represent that the information in this website is appropriate or available for use in other locations, and access from certain locations may be strictly prohibited. Those who access this website do so on their own initiative and are responsible for compliance with all applicable local laws.

U.S. Export Controls Software is subject to United States export controls. No software may be downloaded or otherwise exported or re-exported (i) into (or to a national resident of) Cuba, Iraq, Libya, North Korea, Iran, Syria, or any other country to which the United States has embargoed goods, or (ii) to anyone on the U.S. Treasury Department list of Specially Designated Nationals or the U.S. Commerce Department Table of Deny Orders. You represent and warrant that you are not located in, under the control of, or a national resident of any such country or on any such list. You agree to comply with United States export control laws and that you will not transfer any software or other content from this website in violation of United States export controls.

Use of the Website

Do Not Rely on This Website for Your Financial Decisions.

The Content on this website is for convenience and information purposes only. You should consult your financial and legal advisors, and independently verify all Content provided through this website before you make decisions. This website does not, and it is not intended to, provide any financial, investment, retirement planning, legal, accounting, or tax advice. The website should not be used or relied upon by you as a substitute for your independent research or professional advice. Nothing in this website constitutes an offer to sell or a solicitation of an offer to buy any product, security or any investment, or insurance product or service. All insurance policies, products and services are subject to the terms and conditions of the applicable agreements. Neither Insurance Services or the individual companies listed at the link "Company Information", nor any of their affiliated companies, nor any officer, director, or employee thereof, nor any other person associated with the creation of this website or its contents, shall be liable or responsible to any person for any harm, loss or damage that may arise in any connection with your use of the website, including without limitation any direct, indirect, special, third party, or consequential damages. Account information available on this website is not the official record of your account. The posting of any prospectus or any other information on this website is not a recommendation or opinion for you to buy or sell any product or participate in any transaction.

Insurance Services is free to use any ideas, concepts, know-how, or techniques that you may submit to Insurance Services through this website for any purpose, including, but not limited to, improving our services. We are not subject to any obligations of confidentiality regarding any submitted information except as specified in the applicable Insurance Services’ Internet Privacy Policy, as set forth in any additional terms and conditions relating to specific products or services, or as otherwise specifically agreed or required by law.

Content, Warranty and Liability Disclaimer

No warranty. Our intent is to provide accurate and up to date content on this website; however, that is not always possible. THEREFORE, ALL CONTENT, SERVICES AND FUNCTIONS ON THIS SITE, OR ANY OTHER WEB SITE LINKED TO THIS SITE, ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. Some jurisdictions do not allow the exclusion of certain implied warranties in which event any required warranty applies to the minimum extent legally required.

Content may contain inaccuracies or errors and may change.

No warranty or representation is made that the information on this website is complete, accurate, up-to-date or error-free or that known defects will be corrected. Content, services, policies, accounts or functions available at this website may be changed or updated at any time without notice; but we have no obligation to update this website so information may be out-of-date at any given time.

Limitation on Liability and Damages

IN NO EVENT WILL WE OR THE INDIVIDUAL COMPANIES LISTED AT THE LINK "COMPANY INFORMATION" BE LIABLE TO ANY PARTY FOR ANY DIRECT, INDIRECT, SPECIAL, PUNITIVE, INCIDENTAL OR CONSEQUENTIAL DAMAGES, INCLUDING, WITHOUT LIMITATION, ANY LOST PROFITS, BUSINESS INTERRUPTIONS, LOSS OF PROGRAMS OR DATA ON YOUR EQUIPMENT, OR OTHERWISE, EVEN IF WE OR ANY OF OUR REPRESENTATIVES ARE EXPRESSLY ADVISED OF THE POSSIBILITY OR LIKELIHOOD OF SUCH DAMAGES, ARISING OUT OF OR RELATED TO ANY USE OF OR INABILITY TO USE THIS WEBSITE, OR ANY OTHER LINKED WEB SITE, INCLUDING, WITHOUT LIMITATION, USE OF OR RELIANCE ON INFORMATION, INTERRUPTIONS, ERRORS, DEFECTS, MISTAKES, OMISSIONS, DELETION OF FILES, DISABLING DEVICES, DELAYS IN OPERATION OR TRANSMISSION, NONDELIVERY OF INFORMATION, THEFT, UNAUTHORIZED ACCESS, DISCLOSURES OF COMMUNICATIONS, OR ANY FAILURE OF PERFORMANCE. Some jurisdictions do not allow limitation or exclusion of certain liabilities or damages in which event in such jurisdiction the foregoing shall apply to the maximum extent allowed by law. You are responsible for the entire cost of all servicing, repair or correction of your property or operations, including without limitation your computer, network, software or any device, required as a result of or related to using this website. In no event shall our total liability to you for damages, losses and causes of action of any kind - whether in contract, tort (including, but not limited to, negligence), strict liability or otherwise - exceed the amount paid by you, if any, for accessing this website.

Entire Agreement

These Terms represent the entire agreement between you and us relating to the subject matter herein. If any provision of these Terms is deemed unlawful, void or for any reason unenforceable, then that provision will be deemed severed from these Terms and will not affect the validity and enforceability of the remaining provisions.

Ownership and Use of Content/Trademarks/Copyrights

All of the information and content on this website, including, but not limited to, all text, analyses, reports, articles, graphics, software applications, video and audio files and photos, trademarks, service marks and trade dress ("Content") is owned or licensed by Prudential or The Hartford, as applicable. The Content is protected worldwide by applicable intellectual property laws. You may make and use printouts of the Content for your personal, non-commercial use only, provided that the printouts retain all copyright, trademark, and other proprietary notices. Prudential and Hartford reserve the right to terminate at any time your right to make personal copies of Content. You may not copy, transmit, distribute, modify, publicly perform, reuse, sell or display any of the Content for any public or commercial purpose except with the prior written consent of Prudential, Hartford or the owners of the materials, which they may issue in their sole discretion. You may not use the Content in any other website or in a network computer environment, including framing the Content within another website. Except for the limited use rights expressly provided in this paragraph, all rights in Content are reserved.

The Hartford®, Hartford Life®, the Stag logo, and combinations of the foregoing are registered trademarks of Hartford Fire Insurance Company. All other trademarks, service marks, trade names, logos and icons, registered or not, are the property of The Hartford or third parties which may be indicated. Other materials, including video, sound recordings and images, on this web site are a copyright of or proprietary to The Hartford or are used with the consent of the owner. The contents of this site are protected by copyright, trademark or other intellectual property laws of the U.S. or in some instances, foreign laws. Unauthorized use may violate copyright, trademark and other laws.

You may copy or print materials of The Hartford from this site limited solely for your noncommercial, personal use unless otherwise indicated. You must retain any and all proprietary or copyright notices. You may not copy, transmit, distribute, modify, publicly perform, reuse, sell, or display any of the contents of this web site for any public or commercial purpose except with the prior written consent of The Hartford or the owners of the materials. You may not use the contents in any other web site or in a network computer environment.

PRUDENTIAL, PRU, THE ROCK, the Rock Logo, the Rock PRUDENTIAL Logo PRUDENTIAL FINANCIAL, GROWING AND PROTECTING WEALTH, ROCK SOLID, ROCK SOLID RETIREMENT, and THE RETIREMENT RED ZONE, and combinations thereof, are trademarks or registered trademarks of The Prudential Insurance Company of America. All other trademarks, service marks, trade names, logos and icons, registered or not, are the property of The Prudential Insurance Company of America or third parties which may be indicated. Other materials, including video, sound recordings and images, on this website are a copyright of or proprietary to The Prudential Insurance Company of America or are used with the consent of the owner. Except when included in any authorized printouts of the Content, you are not authorized to make any other use of Prudential's marks, including, but not limited to, as metatags or in any other fashion that may create a false or misleading impression of affiliation or sponsorship with or by Prudential.

Changes to our Legal Notices

Insurance Services reserves the right to change the Content on this website and these Terms and Conditions from time to time at any time without prior notice. The changes may include superseding terms and conditions or specific notices. YOU SHOULD REVIEW THESE TERMS AND CONDITIONS FROM TIME TO TIME TO BE AWARE OF ANY CHANGES THAT ARE MADE. Your continued use of this website constitutes your acceptance of any change or update, all of which shall become controlling when posted.

If we decide to change the Legal Terms and Conditions of Use, we will update the modification date below.

This Legal Terms and Conditions was last modified on October 31,2014.

Legal Notice

New York Domestic Violence Notice

New York Protection Protocols for Victims of Domestic Violence

New York Insurance Law §2612 domestic violence law provides victims of domestic violence with important protections. Upon delivery of a valid order of protection, the insurer is prohibited (for the duration of the order) from disclosing to the policyholder or other person the address and telephone number of the insured, or of any person or entity providing covered services to the insured. If a child is a covered person, then the right established by this section may be asserted by the child’s parent or guardian. The full text of New York Insurance Law Section 2612 can be found on the New York State Legislature’s website.

The Hartford maintains the confidentiality of, and refrains from disclosing, the information protected by Insurance Law Section 2612. To submit a request to receive communications by alternative means or at alternative locations, or to revoke such a request, please contact Hartford’s Consumer Affairs Unit at the following address:

The words "Insurance Services", "we", "our", or "us" mean one or more of the companies listed on the home page.

Thank you for visiting this website. We hope you will find information here to help service your insurance policies.

We are committed to protecting and keeping information supplied by our visitors to this website private, safe and secure. We have developed and maintain physical, electronic and procedural safeguards to protect your personally identifiable ("personal") information in accordance with applicable data protection law. We restrict access to your personal information to those who need access in order to provide the services that you have come to expect from us. We disclose your personal information only as permitted or required by law. We require third parties that work with us to protect your personal information in the same way.

This Online Privacy Policy describes how we may collect and use information provided through your visits to this website. If you have a customer relationship with any of the individual companies serviced by this website, your personal information is further protected under the terms of each company's Customer Information Privacy Policy.

In all cases, your decision to provide us with personal information is voluntary. Such information will only be used to help transact your business or respond to your questions.

Because this website does not engage in the collection of your personal information unless you voluntarily choose to provide it, this website does not respond to your Web browser's "do not track" track signals (or similar mechanisms offering you a choice). You have the ability to exercise choice regarding whether this website collects your personal information. If you choose to provide your personal information, it will be used only for the purposes described below.

When do we collect information?

We collect information from you on this website when you register, fill out a form, make a payment (if enabled) or contact us via the email link provided in this website. In all cases, your decision to provide us with personal information is voluntary.

What information do we collect?

Most of the tools and applications available on this website do not require you to provide any personal information. You may always visit our website anonymously. However, personal information about you may be requested to:

Help transact your business

Register you for a website service

Respond to your inquiry

Examples of personal information that may be collected when registering or using services on our site, as appropriate, may include: name, email address, mailing address, phone number, and last four digits of your social security number, policy or account number, or Agent number.

This website may automatically collect information about your computer hardware and software, including browser type, operating system, access times and Internet Protocol (IP) address. We use this data in aggregated form only (not in any form that personally identifies you) to track use of our tools and features for internal programming and demographic and other research purposes. In addition, we may maintain records of access by our registered users to the secured features of this website.

How do we use your information?

The information we collect from you may be used in one of the following ways:

To improve our website - we continually strive to improve our website offerings based on the information and feedback we receive from you.

To improve customer service - your information helps us to more effectively respond to your customer service requests and support needs.

To process transactions - your personal information will be used for the purpose of delivering the services you request.

To administer a contest, promotion, survey or other site features.

To send periodic emails - the email address you provide may be used to send you information, respond to inquiries, and/or other requests or questions.

How do we protect your information?

Certain features of this website are secured, and require identifying information and use of passwords to access customer policies or accounts or other secured information. We will allow you to create a user name, and you will be asked to create your own password. If you forget your user name and/or password, you may reset them through the site or contact our customer service representatives by phone at the following number: 866-543-4024. To help us protect your privacy, you should maintain the secrecy of the user name and password that may have been set up in connection with your participation in this website.

We employ technologies intended to safeguard the transmission of your personal information through this website although no website guarantees 100% security. All supplied sensitive information is transmitted via Secure Socket Layer (SSL) technology and then entered into our database only to be accessible by those who are authorized with special access rights to such systems, and are required to keep the information confidential. This SSL encryption scrambles your personal information as it travels over the internet from your browser to our secure Web server. Our website prohibits personal information from being transmitted unless a secure connection can be established.

Email sent on the Internet is not considered entirely secure even if you are using a secure email program. We ask that you not send any confidential information to us via email. If you do want to send us a secure and confidential message, log onto your account and use the form provided. When you use the form on the website to send a message to us, we will not reference any personal information in any emails we send to you.

Do we use cookies?

Yes, we use cookies to gather connection data and understand how users use our website. Cookies are not used to monitor website visits of a particular individual.

Cookies are small files that a website can send to your computer's Web browser (if you allow) that enable the website to recognize your browser and capture and remember certain information. The cookies themselves do not contain sensitive data. Your sensitive data cannot be accessed without entering a user name and password.

We use cookies to understand and save your preferences for future visits and compile aggregate data about site traffic and site interaction so that we can offer better site experiences and tools in the future.

To learn more about your web browser security, go to your web browser's homepage. If you prefer, you can choose to have your computer warn you each time a cookie is being sent, or you can choose to turn off all cookies via your browser settings. If you turn your cookies off, some of our services may not function properly. However you may still obtain services through customer service.

Do we disclose any information to outside parties?

We may disclose personal information obtained from our website visitors to third parties if we believe in good faith that such disclosure is necessary to: (a) comply with law or in response to a subpoena, court order, government request or other legal process; (b) protect the rights, interests, safety or property of ourselves or others; (c) enforce the terms of use on this website; (d) provide you with the services, information, special offers or promotions which you requested or to which you consented; or (e) operate our systems properly. We require third parties who assist us in operating our website, conducting our business, or providing services to our customers to keep personal information confidential.

We will not sell, trade, rent, distribute or otherwise make your personal information commercially available to outside parties except with your prior permission.

Not Intended for Use by Minors

This website is not intended for children under the age of 18. We will not knowingly collect information from visitors in this age group.

What We Don't Do

We will never send you messages asking you to provide us with personal or account information via email. We will not reference any personal information in any email we send to you.

Online Privacy Policy Only

This Online Privacy Policy applies only to information collected through our website and not to information collected offline.

Terms and Conditions of Use

Please visit our Terms and Conditions of Use at our Legal Notices section where we establish the use, disclaimers, and limitations of liability governing the use of our website.

Your Consent

By using this website, you consent to our use of your personal information as described in this Online Privacy Policy.

Correcting/Updating Your Information

If you have a concern about your personal or account information maintained by us, or want to correct or update or confirm your information, please call a customer service representative at 800-246-4819 between 7:30AM and 6:00PM (Central Time) Monday through Friday.

Contacting Us

If there are any questions regarding this Online Privacy Policy you may contact us using the information below.

Mail To:

Policyholder ServicesPO Box 305033Nashville TN 37230-5033

HIPAA Privacy Notice

THIS NOTICE DESCRIBES HOW MEDICAL INFORMATION ABOUT YOU MAY BE USED AND DISCLOSED AND HOW YOU CAN ACCESS THIS INFORMATION. PLEASE REVIEW IT CAREFULLY.

Hartford Life Insurance Company, Hartford Life and Accident Insurance Company, and Hartford Life and Annuity Company (collectively “The Hartford” or “we”) are committed to protecting the privacy of your health information. The Hartford is required by a federal law - the Health Insurance Portability and Accountability Act (HIPAA) - to take reasonable steps to ensure the privacy of your “Protected Health Information” (PHI) and to provide you with this Notice of Privacy Practices. PHI includes all individually identifiable health information transmitted or maintained by The Hartford and/or its business associates regardless of form (oral, written, electronic).

Effective Date: This Notice was originally effective April 14, 2003 and as revised is effective September 23, 2013. If you have any questions about this Notice, or the subjects addressed in it, please call (860) 547-5000.

Uses and Disclosures of Your PHI

This section of the Notice explains how The Hartford uses and discloses your PHI with our employees, business associates, and other organizations as required or permitted by law without your authorization. We also require our business associates to protect the privacy of your PHI through written agreements with The Hartford. As explained below, we will request your written authorization in some instances to use or disclose PHI.

Required Disclosures. The use and disclosure of your PHI may be required by the Secretary of the Department of Health and Human Services to investigate and/or determine The Hartford’s compliance with HIPAA’s privacy regulations.

Uses and Disclosures Related to Treatment, Payment and Healthcare Operations. The Hartford and/or its business associates may use and disclose PHI without your authorization or opportunity to agree or object for activities related to treatment, payment, and healthcare operations. In these instances, The Hartford will not request your authorization to share PHI. As described in the next section titled Your Privacy Rights, you have the right to request a restriction on the use and disclosure of your PHI for treatment, payment, or healthcare operations purposes. The Hartford may not use any PHI that is “genetic information” (as defined by the Genetic Information Nondiscrimination Act of 2008) for underwriting purposes. If we use or disclose your protected health information for fundraising activities, we will provide you the choice to opt out of those activities.

Examples of activities related to treatment include: treatment provided by a specialist who asks a primary care physician to share a patient’s PHI.

Examples of activities related to payment include: payment of healthcare claims, determinations whether a member is eligible for healthcare coverage, or collection of premiums.

specialized government functions (such as military personnel, and inmates in correctional facilities); or

workers’ compensation.

Use and Disclosures to Plan Sponsor. In some circumstances, The Hartford may also disclose PHI to the sponsor of your group health plan for plan administration functions.

Use and Disclosure to Contact You Regarding Health-Related Benefits and Services. The Hartford or its business associates may also contact you regarding health-related benefits and services that may be of interest to you.

Uses and Disclosures That Require Your Written Authorization.

In all other circumstances not described above, uses and disclosures of your PHI will only be made with your written authorization. For example, we will need your authorization for the following circumstances:

most uses or disclosures of psychotherapy notes;

marketing communications; and

disclosures that constitute a sale of PHI.

You may revoke such an authorization at any time, except to the extent The Hartford, its business associates, or other entities have relied on such disclosure.

Your Privacy Rights

This section of the Notice describes your rights as an individual with respect to your PHI and a brief description of how you may exercise these rights.

Right to Restrict Uses and Disclosures for Treatment, Payment and Healthcare Operations Purposes. You have the right to request that we restrict uses and disclosure of your PHI for activities related to treatment, payment and healthcare operations as described above. Your request for the restriction must be in writing. We will evaluate all requests for restrictions, however, we are generally not required to agree to the restriction. In certain circumstances, we may be obligated to honor your request for a restriction on disclosures to another health plan relating to a health care item or service for which you paid in full. If we agree to the restriction, we will abide by it, except in the case of emergency treatment or when required by law. We will terminate our agreement to a restriction if you agree to or request the termination of the restriction. If we decide to terminate our agreement to the restriction, we will notify you of our decision.

If you have paid for a health care item or service out-of-pocket and in full, you may request that we do not disclose to a health plan any PHI related solely to the item or service. We are obligated to honor that request unless we are required by law to make a disclosure.

Right to Request Confidential Communications. You may request that we communicate with you by alternative means or at alternative locations. For example, you may wish to receive communications from us at your work location rather than your home. We will evaluate all such requests, however, we must only accommodate your request if you clearly state that the communication of all or part of your PHI could endanger you.

Right to Inspect and Copy Your PHI. You have a right to access, inspect, and copy your PHI contained in a “designated record set” for as long as The Hartford maintains the PHI in the designated record set. Your right to access your PHI contained in a designated record set extends to any such information that is maintained in an electronic health record or another electronic form. However, you do not have an automatic right to access psychotherapy notes or information compiled in reasonable anticipation of, or for use in, a criminal, civil or administrative action or proceeding. We will act on a request for access within 30 days of receiving your request if the information is maintained and accessible on site or within 60 days otherwise (with a possible 30-day extension). We will provide you with a summary of the PHI requested if you agree in advance to the summary and to the fees imposed.

We may deny your request to access your PHI under certain circumstances. If your request is denied, we will send you a notice that explains our reason for the denial, your review rights (if any), and how to file a complaint with our Privacy Officer or the Secretary of the Department of Health and Human Services. In certain instances we will provide you with an opportunity for a review of the denial. The review decision must be made in a reasonable period of time, and we will send you a written notice of the review decision. We may charge a reasonable fee for access, inspection and/or copying of your PHI. This fee is based on the costs associated with copying, mailing, and summary preparation costs.

Right to Amend Your PHI. You have the right to request that we amend your PHI if you believe the information is incorrect or inaccurate. We may deny your request to amend your PHI if we did not create the PHI, if the information is not part of our records, if the information was not available for inspection, or if the information is accurate and complete. We will respond to your written request to amend your PHI within 60 days of the request (with a possible 30-day extension).

If your request for amendment is granted, we will notify you that the amendment was approved. Upon your identification of relevant persons, we will obtain your agreement to inform them of the change. We will make reasonable efforts to inform and provide the amendment within a reasonable time to persons identified by you and by us, including our business associates.

If your request for the amendment is denied, we will send you a written notice that explains the reason for the denial, your right to submit a written statement of disagreement or to have the request for amendment included with future disclosures, and your right to file a complaint with our Privacy Officer and/or the Secretary of the Department of Health and Human Services.

We may prepare a rebuttal statement to your statement of disagreement. We will provide you with a copy of the rebuttal statement.

Any future disclosures of your PHI will include the statement of disagreement or request for amendment, the denial notice, and the rebuttal or summary of this information.

Right to an Accounting of Disclosures. You have the right to receive an accounting of disclosures of your PHI made by The Hartford during the six years prior to the date of your request. We will act on your request for an accounting of disclosures within 60 days (with a possible 30-day extension).

This accounting of disclosures will not include disclosures made:

prior to effective date of HIPAA, April 14, 2003;

for treatment, payment, and healthcare operations;

to you or your personal representative;

pursuant to an authorization;

for national security or intelligence purposes, as provided in regulations under HIPAA;

to correctional institutions or law enforcement officials, as provided in regulations under HIPAA;

incident to a use or disclosure permitted or required by law; and

to persons involved in your care (if you were present), you were incapacitated, or for disaster relief purposes.

We will provide you with one free accounting each year. For subsequent requests, we will charge a reasonable fee. The written accounting of disclosures will include the following information for each disclosure: the date of the disclosure, the person to whom the information was disclosed, a brief description of the information disclosed or in lieu of the summary, a copy of the written request for the disclosure.

Right to be Notified Following a Breach. You have a right to notified if there has been a breach involving your unsecured PHI.

Right to a Copy of Notice of Privacy Practices. You have the right to receive a paper copy of this Notice upon request, even if you agreed to receive the Notice electronically.

Complaints. You may file a complaint with The Hartford or the Secretary of the Department of Health and Human Services if you believe your privacy rights have been violated. To file a complaint with The Hartford, contact the Corporate Privacy Office at CorporatePrivacyOffice@thehartford.com. We will not retaliate against you for filing a complaint.

The Hartford’s Duties

The Hartford will abide by the terms of this Notice of Privacy Practices.

The Hartford reserves the right to change its privacy practices and apply the changes to any PHI received or maintained by The Hartford prior to that date. If a privacy practice is materially changed, The Hartford will provide you with a revised Notice of Privacy Practices by mail or any other reasonable method of communication used to process or service your insurance or transactions with us.

Social Security Number Protection Policy

SSN Protection Policy

Social Security Number Protection Policy Of The Hartford Financial Services Group, Inc. and its Affiliates (“The Hartford”)

We value your trust, and we are committed to the responsible protection of your Social Secuirty number (“SSN”). This notice applies to any SSN that we collect in the course of our business. We protect the confidentiality of SSNs, including by maintaining manual and electronic security procedures to guard against unauthorized access to SSNs. We also limit access to SSNs, including by only granting access to SSNs to our employees who use that information to perform their job-related duties. In addition, we do not disclose SSNs to third parties, except where required or permitted by law.